Department: Credit Management
Grade: VP
Job Type: Permanent
No. of Positions: 1

Mobilink Microfinance Bank Limited (MMBL) is looking for an experienced Regional Credit Manager to lead regional credit operations, ensure effective credit risk management, maintain portfolio quality, and oversee compliance with internal policies and regulatory requirements. The role requires close coordination with sales, verification, and finance teams to support sustainable business growth while minimizing credit risk.

Key Responsibilities

Credit Assessment & Verification

• Supervise borrower verification and pre-approval due diligence.
• Ensure loan files are accurate, complete, and compliant before approval.
• Verify borrower information through physical and telephonic verification.
• Evaluate customers' understanding of loan purpose, repayment obligations, and business requirements.
• Ensure compliance with client protection principles and ethical standards.
• Monitor implementation of regional credit policies and procedures.
• Obtain and document policy exceptions before loan approvals.

Credit Monitoring & Compliance

• Review post-disbursement credit files to ensure policy compliance.
• Conduct post-disbursement verification through Verification Officers.
• Review SBP, internal, and external audit reports and ensure timely closure of observations.
• Conduct regular branch sessions to reduce recurring credit-related issues.
• Maintain branch-wise and verification officer performance records.
• Analyze loan rejection trends and report findings to Head Office.

Portfolio Quality Management

• Monitor branch-wise Non-Performing Loan (NPL) trends.
• Coordinate with Regional Business Managers and Head Office to identify causes of defaults.
• Assist in identifying portfolio risks and potential fraud cases.

Gold Loan Operations

• Oversee onboarding and verification of approved goldsmiths.
• Conduct periodic reassessment of gold collateral.
• Ensure compliance with Loan-to-Value (LTV) policies.
• Supervise gold auction procedures according to bank policies.
• Maintain complete documentation for all reassessment and auction activities.

Leadership & Team Management

• Lead and supervise regional verification teams.
• Manage recruitment, succession planning, and staff development.
• Conduct training sessions for branch sales and verification staff.
• Perform annual performance evaluations and goal setting.
• Visit branches regularly to monitor operations and resolve issues.
• Manage staff rotation and leave planning.

Additional Duties

• Perform any other tasks assigned by the Line Manager or Head of Department.

Eligibility Criteria

Education

• Bachelor's degree in Commerce, Business Administration, Mathematics, Statistics, or a related field.
• Master's degree will be preferred.

Experience

• 3–5 years of relevant experience in credit management, banking, or financial services.

Required Skills

• Strong knowledge of microfinance and consumer lending.
• Understanding of SBP prudential regulations.
• Credit risk assessment and financial analysis.
• Portfolio monitoring and management.
• Strong communication and interpersonal skills.
• Leadership and team management abilities.
• Customer-focused mindset.
• Ability to work independently in a fast-paced environment.
• Working knowledge of banking software and digital systems.

About Mobilink Microfinance Bank Limited (MMBL)

Mobilink Microfinance Bank Limited is one of Pakistan's leading digital microfinance banks, serving over 48 million registered users and 20+ million monthly active customers. With more than 114 branches and 270,000+ branchless banking agents, MMBL provides a wide range of financial services including savings accounts, MSME financing, housing loans, remittances, insurance, digital wallets, and payment solutions, helping promote financial inclusion across Pakistan.

Why Join MMBL?

• Join one of Pakistan's leading digital banking institutions.
• Work in a strategic leadership role within the Credit Management division.
• Build your career in a collaborative and innovation-driven environment.
• Contribute to improving financial inclusion through responsible lending practices.
• Access professional development and career growth opportunities.

🔎 Source: Official Careers Portal
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